Why I chose it:
I picked this video because OSAP is a major source of funding for many students in Ontario. It was helpful to see the process broken down visually. One key insight was how loan forgiveness might apply if you complete your program within a set time.

Why I chose it:
I liked that the video included real stories and national data. One standout fact was that some graduates delay milestones like buying a home due to student loan repayments.

Why I chose it:
Many students are unaware of flexible repayment options. I learned that if you miss payments, your credit score is impacted, which can affect your future borrowing ability.

Why I chose it:
It’s an official and reliable source. I found the repayment assistance section especially helpful—it’s something many students overlook when borrowing.

Why I chose it:

It’s the most direct source for OSAP-specific info. I liked the breakdown of full-time vs. part-time student support—something many students don’t understand clearly.

Why I chose it:

The mental health connection was eye-opening. I hadn’t considered how long-term debt anxiety can affect students beyond just money issues.

This image shows how student loan debt has increased in Canada over the past 10 years. It was surprising to see that the average debt load now exceeds $26,000 for university graduates.

I was surprised to learn that many students don’t repay their loans within the expected timeframe. The idea that debt can last more than a decade after graduation was shocking.

Real-life example:

I use OSAP myself, and learning more about repayment options made me think more carefully about budgeting during school. I now track my expenses more closely to avoid overspending.

Most important takeaway for others:

I would advise others to understand the long-term impact of borrowing. Taking time to budget and understand repayment plans before accepting a loan can save a lot of stress later.